See, then you fell for a dark pattern, because I refused to use it on first boot and there is no One Drive folder in this brand new computer I'm currently using at all. It isn't the standard My Documents folder, it doesn't have a folder at all and the application icon isn't on my system tray.

That's why I was asking about the Win10 install being different, but I've installed Win 11 twice this year, once in a computer for personal use that currently doesn't have any One Drive folder at all and one for work where One Drive is logged in to a work account (along with Office 365) and it only syncs that work folder, not the personal folders, photos and whatnot. You can absolutely have a Windows (11, anyway) install with no One Drive synced to anything at all, or even running.

It sucks that Windows designs its install process as a dark pattern-ladden attempt to get you to sign up for crap, but you can reject all of it. Maybe I do it enough I have the habit and I underestimate how hard it is to choose what you actually want. I guess that's the equivalent to having a working Windows 98 key memorized in the early 2000s.